Which is better, Pin Payments or Four?

Pin Payments edges out Four based on user ratings across 31 reviews. That said, the best pick depends on your workflow — Four may be a stronger fit for specific team sizes or use cases. Review the full comparison to decide.

What are the main differences between Pin Payments and Four?

Key differences between Pin Payments and Four include target audience (Pin Payments targets Individuals while Four serves Large Enterprises). Use the Spotsaas comparison table to evaluate each dimension before deciding.

Do both Pin Payments and Four offer a Free trial?

Neither Pin Payments nor Four offers a free trial.

Who are the typical users of Pin Payments?

Pin Payments is built primarily for Individuals, Medium Business, Small Business — worth checking against your own team profile before comparing further.

Who are the typical users of Four?

Four is built primarily for Large Enterprises, Medium Business, Small Business — worth checking against your own team profile before comparing further.

What is the starting price of Pin Payments and Four?

Pricing details for both Pin Payments and Four are unavailable.

What are the best alternatives to Pin Payments?

Some top alternatives to Pin Payments include Limonetik, Merchant One, MagicPay, Omise, Przelewy24.

What are the best alternatives to Four?

Some top alternatives to Four include MagicPay, Payfirma, DusuPay, Credit Key, Blackthorn Payments.

Pin Payments vs Four Comparison

Last updated: July 30, 2026

Pin Payments

4.7(31 reviews)

Starting at Contact for pricing

Individuals
Medium Business

Pin Payments is a feature-rich, secure, inexpensive, easy-to-install credit card processing application designed for small and e-commerce businesses.It is a very scalable and flexible platform that can operate with minim…

View Pricing Read Reviews

Four

4.6(5 reviews)

Starting at Contact for pricing

Large Enterprises
Medium Business

Four is an innovative tech company focusing on giving customers the option to buy now and pay later as well as a variety of purchase financing solutions. We design eCommerce plugins that enable Retailers to offer their c…

View Pricing Read Reviews

Pin Payments leads on user satisfaction with a 4.7-star rating across 31 reviews.

Pin Payments vs Four — at a glance

Feature	Pin Payments	Four
Rating	4.7 / 5	4.6 / 5
Reviews	31	5
Starting price	Contact for pricing	Contact for pricing
Free trial	No	No
Free version	No	No
Best for	Individuals, Medium Business, Small Business	Large Enterprises, Medium Business, Small Business
Category	Payment Processing Software	Payment Processing Software
Platforms	SaaS/Web/Cloud	SaaS/Web/Cloud, Mobile - Android, Mobile - iOS
API	Available	—
Support modes	Business Hours, Online	Online
Certifications	GDPR	—
Data residency	US	US

Key differences between Pin Payments and Four

Target audience: Pin Payments is built for Individuals and Medium Business, while Four targets Large Enterprises and Medium Business.
User satisfaction: Pin Payments scores higher with a 4.7-star average.
Deployment: Pin Payments supports SaaS/Web/Cloud; Four supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS.

Pin Payments vs Four — find the better fit before you commit.

Which tool fits your team best

Which is actually cheaper for your team size

Where each product wins, per real buyers

Most Payment Processing Software tools look identical on paper. This comparison cuts to the differences that matter — pricing structure, team fit, and what real buyers found after signing up.

Biggest differences

Features

Pricing

Buying details

Security

Buyer feedback

Integrations

Product tour

Other options

	Pin Payments (53) Talk to an expert Talk to an expert	Four (7) Talk to an expert Talk to an expert

Free PDF comparison

Download this Pin Payments vs Four comparison

Get the full side-by-side as a PDF — these picks plus the top Payment Processing Software tools, with verified ratings, pricing and features.

Side-by-side on pricing, features & ratings
Plus the category top 10, scored & ranked
Emailed to you — no on-screen download

No file downloads on screen — we email it to you. One-click unsubscribe anytime.

Pin Payments vs Four: Biggest differences

Affiliate Disclosure

Start here before you go deeper into features.

Pin Payments

Best for small businesses needing secure, flexible, and scalable payment processing.

Choose if

You run a small e-commerce or subscription-based business seeking PCI-compliant payments.
You require a web-based, easy-to-install system with white-label and API integration options.
You have technical resources to manage flexible configurations and want scalable payment solutions.

Consider alternatives if

You need transparent, fixed pricing for straightforward budgeting.
You are a large enterprise needing extensive customization and dedicated support.

Four

Best for eCommerce retailers needing flexible buy-now-pay-later payment options.

Choose if

You want to offer customers diverse and flexible payment methods to boost sales.
Your team includes eCommerce managers or finance professionals managing payment solutions.
You operate a small or large business with online sales channels requiring configurable plugins.

Consider alternatives if

Your business lacks an online sales channel or eCommerce presence.
You require transparent, fixed pricing and simple, out-of-the-box payment integrations.

Pin Payments: Best for small businesses needing secure, flexible, and scalable payment processing. Four: Best for eCommerce retailers needing flexible buy-now-pay-later payment options.

Description	Pin Payments is a feature-rich, secure, inexpensive, easy-to-install credit card processing application designed for small and e-commerce businesses.It is a very scalable and flexible ... Read More about Pin Payments	Four is an innovative tech company focusing on giving customers the option to buy now and pay later as well as a variety of purchase financing solutions. We design eCommerce plugins that ... Read More about Four
Free Trial Availability	No free trial	No free trial
User Ratings Based on verified Spotsaas reviews	4.65 (31)	4.6 (5)
Best Company Size	1-50 employees51-200 employees	Small BusinessLarge Enterprises
	Get pricing help	Get pricing help

Software Demo

Demo		Four has not given any software demo yet If you're the owner of this profile, add your demo.Contact us

Need a second opinion?

Get decision help from a software advisor

Share your priorities, budget, and team needs, and we’ll help you narrow the options and understand the tradeoffs before you talk to vendors.

Get decision help from a software advisor

Independent advice — matched to your business
Understand the tradeoffs before you talk to vendors
Free 15-min call with a software advisor.

Step 1 of 4

How big is your team?

We tailor recommendations to companies your size.

Trusted by teams at

How do Pin Payments and Four Compare on Features?

Total Features	8 Features	6 Features
Unique Features	No unique features	No unique features
	Get Quote	Get Quote

Compare Pin Payments and Four on pricing

Review starting price, plan structure, and free-trial access side by side so you can see which option fits your budget and buying process.

Pricing Option
Pricing Plans	Not Available	Not Available
Pricing Page		Pricing information not available
	View detailed pricing	View detailed pricing

Pin Payments vs Four: Other Details

Organization Types supported	Individuals Freelancers Large Enterprises Medium Business Small Business	Individuals Freelancers Large Enterprises Medium Business Small Business
Platforms Supported	Browser Based (Cloud) Mobile - Android Mobile - iOS Installed - Windows Installed - Mac Browser Based (Cloud)	Browser Based (Cloud) Mobile - Android Mobile - iOS Installed - Windows Installed - Mac Browser Based (Cloud)
Modes of support	24/7 (Live rep) Business Hours Online	24/7 (Live rep) Business Hours Online
API Support	Available	Not Available
	Get help choosing	Get help choosing

Pin Payments vs Four Security & Compliance

Certifications, data handling, and security controls for IT and compliance evaluators.

HIPAA	✗ No	✗ No
GDPR	✓ Yes	—
Data Encryption	✓ Yes	—
Data Residency	🇺🇸 US	🇺🇸 US

Pin Payments User Reviews & Rating Comparison

User Ratings	4.65 (based on 31 reviews)	4.6 (based on 5 reviews)
Rating Distribution	47 3 0 0 3	5 0 1 0 1
Spotsaas Editor’s POV generated by AI	Buyer sentiment Users generally appreciate the platform's security, flexibility, and ease of installation, though pricing opacity and limited support details are noted concerns. What buyers like Security and PCI compliance Flexibility and scalability Ease of installation Common complaints Pricing transparency Limited support information	Buyer sentiment Overall buyer sentiment is very positive, highlighting convenience and payment flexibility. What buyers like Payment flexibility Customer convenience Integration with eCommerce platforms Common complaints Pricing transparency Complexity of setup
Pros and Cons	Strong PCI compliance ensuring high security Flexible platform with API and white-label options Web-based system that is easy to install and scalable Pricing is quotation-based and not publicly disclosed Limited information on customer support and onboarding	Offers diverse payment options to customers Enhances customer shopping convenience High user rating (4.7) with substantial reviews (2513) Pricing is quotation based and not publicly available Lack of detailed use case and benefit information
Positive Reviews	No reviews available for the product	No reviews available for the product
Negative Reviews	No reviews available for the product	No reviews available for the product
	Read reviews	Read reviews

Pin Payments and Four Customers

Customers	Wilson Frenchy PetRescue MeMeMe	No Customers information available.

Media and Screenshots

Screenshots	2 Screenshots	No screenshots available.
Videos	2 Videos	No videos available.

Top Alternatives to Pin Payments and Four in 2026

Alternatives	Limonetik 1 Merchant One 4.77 MagicPay 5	MagicPay 5 Payfirma 4.75 DusuPay 2.48

Frequently asked questions

Which is better, Pin Payments or Four?: Pin Payments edges out the other on user ratings (4.7 vs 4.6). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
Do Pin Payments and Four offer a free trial?: Neither Pin Payments nor Four currently lists a free trial.
What is the starting price of Pin Payments vs Four?: Pin Payments starts at Contact for pricing. Four starts at Contact for pricing.
What are the top alternatives to Pin Payments?: Top alternatives to Pin Payments include Limonetik, Merchant One, MagicPay, Omise, Przelewy24.
What are the top alternatives to Four?: Top alternatives to Four include MagicPay, Payfirma, DusuPay, Credit Key, Blackthorn Payments.

Pin Payments vs Four Comparison

Pin Payments

Four

Pin Payments vs Four — at a glance

Key differences between Pin Payments and Four

Pin Payments vs Four — find the better fit before you commit.

Pin Payments

Four

Download this Pin Payments vs Four comparison

Pin Payments vs Four: Biggest differences

Description

Free Trial Availability

User Ratings

Best Company Size

Software Demo

Demo

Get decision help from a software advisor

How big is your team?

How do Pin Payments and Four Compare on Features?

Compare Pin Payments and Four on pricing

Pin Payments vs Four: Other Details

Organization Types supported

Platforms Supported

Modes of support

API Support

Pin Payments vs Four Security & Compliance

Pin Payments User Reviews & Rating Comparison

Pin Payments and Four Customers

Customers

Media and Screenshots

Screenshots

Videos

Top Alternatives to Pin Payments and Four in 2026

Related Blogs and Articles for Payment Processing Software

Frequently asked questions